,,ii  #aafth ,,congress  #ast ,session  
,s4 #bhce  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,november #ab1 
#bjai,ms4 ,rosen 7for herself and ,mr4  
,roberts7 introduced the following bill2
 which was read twice and referred to   
the ,committee on ,banking1 ,housing1   
and ,urban ,affairs  ,a ,,bill  ,to     
include information regarding ,,va home 
loans in the ,informed ,consumer ,choice
 ,disclosure required to be provided to 
a prospective ,,fha borrower who is a   
veteran1 to amend title #aj1 ,united    
,states ,code1 to authorize the         
provision of a certificate of           
eligibility for ,,va home loans during  
the preseparation counseling for members
 of the ,armed ,forces1 and for other   
purposes4  #a4 ,short title ,this ,act  
may be cited as the ,access to          
,affordable ,housing for ,veterans ,act 
of #bjai4  #b4 ,,fha ,informed ,consumer
 ,choice ,disclosure ,section           
#bjc7;f77#b77;,a7 of the ,national      
,housing ,act 7#ab ,u4,s4,c4            

#agji7;f77#b77;,a77 is amended--  7#a7  
by inserting 7i7 after loan-to-value    
ratio2 and  7#b7 by inserting before the
 semicolon the following3 1 and 7ii7 in 
the case of a prospective borrower who  
is a veteran 7as defined in section #aja
 of title #ch1 ,united ,states ,code7   
who would qualify for a loan guaranteed 
or insured under chapter #cg of title   
#ch1 ,united ,states ,code1 in          
connection with such a loan1 assuming   
prevailing interest rates4  #c4 ,uniform
 ,residential ,loan ,application  7a7   
,in general ,the ,director of the       
,federal ,housing ,finance ,agency shall
 direct the ,federal ,national ,mortgage
 ,association and the ,federal ,home    
,loan ,mortgage ,corporation to revise  
the ,uniform ,residential ,loan         
,application developed by those         
enterprises1 not later than ,december   
#ca1 #bjbj1 to include--  7#a7 in the   
borrower information portion of the     
application1 a check box for the        
applicant to check to indicate that the 

applicant is a veteran2  7#b7 adjacent  
to the matter required by paragraph 7#a7
 and in boldface type1 the following    
statement3 ,if you are a veteran1 you   
may be eligible for a ,,va mortgage42   
and  7#c7 adjacent to the matter        
required by paragraph 7#b71 a blank line
 for the borrower to initial1 and a     
statement that all applicants must      
initial the blank line to confirm that  
they have read the statement required by
 paragraph 7#b74  7b7 ,prohibition ,the 
information required to be included     
under subsection 7a7 shall not appear   
after the borrower signature line of the
 ,uniform ,residential ,loan            
,application4  #d4 ,preseparation       
counseling for members of the ,armed    
,forces regarding ,department of        
,veterans ,affairs home loan services   
and housing assistance benefits ,section
 #aadb7;b7 of title #aj1 ,united ,states
 ,code1 is amended-- 7#a7 by            
redesignating paragraphs 7#ag7 and 7#ah7
 as paragraphs 7#ah7 and 7#ai71         

respectively2 and  7#b7 by striking     
paragraph 7#af7 and inserting the       
following new paragraphs3  7#af7        
,information on the availability of home
 loan services by and housing assistance
 benefits of the ,department of         
,veterans ,affairs1 including the       
authority of the member--  7,a7 to use  
an honorable discharge certificate as a 
certificate of eligibility to apply for 
a guaranteed housing loan from the      
,department of ,veterans ,affairs2 or   
7,b7 to request1 during the             
preseparation process or after          
separation1 a specific certificate of   
eligibility for such a loan under       
section #cgjb7;c7 of title #ch4  7#ag7  
,counseling on responsible borrowing    
practices4  4